1995 Chevrolet C/K 3500 Series Insurance Quotes – 6 Ways to Save

I can’t think of a single person who looks forward to paying for car insurance, especially knowing they are paying too much.

There is such a variety of car insurance companies to choose from, and although it’s nice to have a selection, it can be more difficult to find the lowest cost provider.

The purpose of this article is to tell you the best way to quote coverages and some money-saving tips. If you are paying for car insurance now, you should be able to save some money using this strategy. But vehicle owners must learn how companies market insurance on the web.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, but you can get discounts that you may not know about. Certain discounts will be triggered automatically when you get a quote, but some may not be applied and must be requested specifically prior to getting the savings.

  • Resident Student – Any of your kids who live away from home and do not have access to a covered vehicle may be able to be covered for less.
  • Lower Rates for Military – Being on active duty in the military could be rewarded with lower premiums.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Sign Online – Some insurance companies will give a small break for buying your policy online.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class in school.

Keep in mind that some credits don’t apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way. But any discount will cut the amount you have to pay.

A partial list of companies that may have these discounts may include but are not limited to:

It’s a good idea to ask every prospective company what discounts are available to you. All car insurance discounts might not be offered in your area.

Tailor your coverage to you

When buying coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. For example, these questions might help in determining whether you could use an agent’s help.

  • How much liability do I need to cover my assets?
  • What can I do if my company denied a claim?
  • Is other people’s property covered if stolen from my vehicle?
  • If I drive on a suspended license am I covered?
  • Do all my vehicles need collision coverage?
  • Can my babysitter drive my car?
  • Will I lose any money if I cancel my policy before it expires?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance coverages

Having a good grasp of a insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on most insurance policies.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like hospital visits, ambulance fees, funeral costs, X-ray expenses and surgery. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Chevy C/K 3500 Series.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Collision coverage – This pays for damage to your C/K 3500 Series resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like colliding with a tree, crashing into a building, scraping a guard rail and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Auto liability – This will cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as repair costs for stationary objects, legal defense fees, medical services and pain and suffering. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive (Other than Collision) – This coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, vandalism, theft and falling objects. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Keep this in mind

As you restructure your insurance plan, make sure you don’t buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice collision coverage only to find out that it was a big mistake. Your aim should be to get the best coverage possible at the best price while still protecting your assets.

You just learned some good ideas how to compare 1995 Chevy C/K 3500 Series insurance prices online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with a company that doesn’t do a lot of advertising. Regional companies often have lower prices on specific markets compared to the large companies like State Farm, Geico and Nationwide.

Much more information about insurance is available at these links: